Data Scientist, Risk
Core
Build AI-powered systems and models to optimize top-of-funnel credit decisioning, balancing approval rates with credit quality across multiple acquisition channels.
Role type
Senior IC data scientist (credit risk & acquisition strategy)
Builds
Autonomous monitoring systems, underwriting models, policy experiments, and channel performance analytics
Domain
Fintech / Consumer Credit / Risk Analytics
Deliverable
production ML models
Required skills
Python, SQL, credit risk modeling, statistical inference, experimentation design, causal analysis, AI tooling, full-stack problem solving
Preferred skills
credit card underwriting, credit bureau data, fraud detection, acquisition channel economics
Technologies
Python, SQL, Snowflake, AWS
Responsibilities
Own the full top-of-funnel credit decisioning pipeline including scoring and policy rules; Build and iterate underwriting and targeting models; Design and analyze A/B tests and champion/challenger experiments; Build channel-level performance models connecting volume to economics; Design agentic workflows for autonomous monitoring and policy recommendations; Partner with cross-functional teams on risk frameworks and targeting criteria
Seniority
Senior, hands-on IC
